Does Homeowners Insurance Cover Sewer Backup in Illinois?

Homeowners in Illinois often wonder if their insurance policies cover sewer backups. The answer is not straightforward, as it depends on the specifics of the policy and the insurer.

Standard Homeowners Insurance Policies

Typically, standard homeowners insurance policies do not cover sewer backups. These policies generally offer financial protection against perils like fire, theft and certain types of water damage, but sewer backups are usually excluded. This exclusion is because sewer backups can be caused by a variety of factors, including aging infrastructure, tree root intrusion and heavy rainfall, which are considered maintenance issues rather than sudden and accidental events.

Sewer Backup Endorsement

To protect against sewer backups, homeowners can purchase a sewer backup endorsement or rider. This is an add-on to the standard policy that specifically covers damage caused by sewer backups. The cost of this endorsement varies depending on the insurer and the level of coverage, but it is generally affordable and can provide peace of mind.

What Does the Endorsement Cover?

A sewer backup endorsement typically covers the cost of repairing or replacing damaged property, including flooring, walls, furniture and personal belongings. It may also cover the cost of cleaning and sanitizing the affected area. However, it is essential to read the policy details carefully, as coverage limits and exclusions can vary.

Preventive Measures

Homeowners can reduce the risk of sewer backups by conducting regular maintenance of the sewer line, installing a backwater valve and properly disposing of grease and other materials. Additionally, during heavy rains, homeowners should avoid using water-intensive appliances to reduce the strain on the sewer system.

Learn More

While standard homeowners insurance policies in Illinois do not typically cover sewer backups, adding a sewer backup endorsement can offer valuable financial protection. Contact Salvador Insurance Agency to review your homeowners insurance policies and discuss additional coverage to safeguard their homes against potential sewer-related damages.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.